Rates effective as of 03/03/2025. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
The following loan rates include relationship discount pricing:
- Auto Loans
- Recreational Vehicle Loans
- EasyCash Loans
- Personal Loans
- Home Improvement Loans
Share (Savings) Accounts - Personal & Business
| Account | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Share Savings | $5 | 0.05% | 0.05% |
| Sprout Savings | $5 | 0.05% | 0.05% |
| Secondary Share | $0 | 0.05% | 0.05% |
| Christmas Club Share | $0 | 0.05% | 0.05% |
| Business Share Savings | $5 | 0.05% | 0.05% |
Share Draft (Checking) Accounts Back to Top Learn More
| Account | Minimum to Open | Dividend Rate | APY |
|---|---|---|---|
| Rise High-Yield Checking - Transactions: Less than $750.00 | $25 | 0.05% | 0.05% |
| Rise High-Yield Checking - Transactions: $750 - $1,499.99 (Balances up to $10,000.00) | $25 | 2.96% | 3.00% |
| Rise High-Yield Checking - Transactions:$1,500 or more (Balances up to $10,000.00) | $25 | 5.83% | 6.00% |
| Rise High-Yield Checking - Balances over $10,000.00 | $25 | 0.05% | 0.05% |
Money Market Back to Top Learn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.50% | 0.50% |
| $15,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.25% | 3.30% |
| IRA Money Market | 0.50% | 0.50% |
Minimum to earn dividends on a Money Market account is $2,500.00.
Ultimate Insured Money Market (Up to $1 Million) Back to Top Learn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.50% | 0.50% |
| $15,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.06% | 3.10% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
Minimum to open & earn dividends is $2,500.00.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
Apex Business Money Market Back to Top Learn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.50% | 0.50% |
| $25,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99.999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.25% | 3.30% |
Minimum to open & earn dividends is $2,500.00.
APEX Ultimate Insured Business Money Market (Up to $1 Million) Back to Top Learn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.50% | 0.50% |
| $25,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.06% | 3.10% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
Minimum to open & earn dividends is $2,500.00.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
Share Certificates - Personal & Business Back to Top Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| Saver Certificate - 12 Months2 | 3.06% | 3.10% |
| 6 months1 | 4.07% | 4.15% |
| 12 months2 | 3.93% | 4.00% |
| 24 months3 | 2.96% | 3.00% |
| 36 months4 | 3.06% | 3.10% |
| 48 months4 | 3.15% | 3.20% |
| 60 months4 | 3.25% | 3.30% |
1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.
4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.
Ultimate Insured Share Certificate - 12 Mo. (Up to $1 Million) Back to Top Learn More
| Deposit | Dividend Rate | APY |
|---|---|---|
| $250,000 | 3.73% | 3.80% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
IRA Certificates Back to Top Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6 months1 | 4.07% | 4.15% |
| 12 months2 | 3.93% | 4.00% |
| 24 months3 | 2.96% | 3.00% |
| 36 months4 | 3.06% | 3.10% |
| 48 months4 | 3.15% | 3.20% |
| 60 months4 | 3.25% | 3.30% |
1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.
4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.
Fees may reduce earnings.
Credit Cards (Fixed Rate)* - Personal & Business Back to Top Learn More
| Card | APR** | Minimum Payment |
|---|---|---|
| SunSelect Credit Card | As low as 8.99% | $25 |
| SunSelect Secured Credit Card | Currently 11.99% | $25 |
| APEX Business Credit Card | As low as 9.99% | $25 |
* Fee Information -
- No Balance Transfer Fee or Annual Fee
- Cash Advance Fee: $5.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $30.00).
- Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars.
- Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
- Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.
** Not all applicants will qualify for the lowest rate.
Vehicle Loans Back to Top Learn More
| Terms Available | Loan-to-Value* | APR as low as** | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 4.49% | $43.64 |
| Up to 48 months | Up to 110% financing | 4.99% | $23.02 |
| Up to 60 months | Up to 110% financing | 4.99% | $18.87 |
| Up to 72 months | Up to 110% financing | 5.74% | $16.45 |
| Up to 84 months | Up to 100% financing | 6.49% | $14.84 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
1st Time Auto Loans Back to Top Learn More
| Terms Available | Loan-to-Value* | APR as low as** | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 100% financing | 4.49% | $43.64 |
| Up to 36 months | Up to 100% financing | 5.24% | $30.08 |
| Up to 48 months | Up to 100% financing | 5.24% | $23.14 |
| Up to 60 months | Up to 100% financing | 5.74% | $19.21 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
Snowmobiles / ATVs / Powered Watercraft (non-boat) Back to Top Learn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 5.49% | $44.09 |
| Up to 48 months | Up to 110% financing | 6.24% | $23.60 |
| Up to 60 months | Up to 110% financing | 6.24% | $19.44 |
| Up to 72 Months | Up to 110% financing | 6.99% | $17.04 |
| Up to 84 Months | Up to 110% financing | 7.99% | $15.58 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Motorcycles Back to Top Learn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 5.24% | $43.98 |
| Up to 48 months | Up to 110% financing | 5.74% | $23.37 |
| Up to 60 months | Up to 110% financing | 6.24% | $19.44 |
| Up to 72 months | Up to 110% financing | 6.99% | $17.04 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Boats / Campers / RVs / Large Tractors Back to Top Learn More
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | Up to 100% financing | 6.24% | $19.44 |
| Up to 84 months | Up to 100% financing | 6.99% | $15.09 |
| Up to 120 months | Up to 100% financing | 7.49% | $11.86 |
| Up to 144 months | Up to 100% financing | 7.74% | $10.68 |
| Up to 180 months | Up to 100% financing | 7.74% | $9.41 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Personal Loans Back to Top Learn More
| Type | Maximum Amount | Terms Available | APR | Payment per $1,000 |
|---|---|---|---|---|
| Personal Loan1 | $15,000 | Up to 48 months | As low as 11.24%* | $25.96 |
| Debt Consolidation Loan2 | $25,000 | Up to 48 months | As low as 12.74%* | $26.70 |
| CD Secured Loan3 | n/a | Up to 60 months | 3.00% over the CD Dividend Rate | $19.70 |
| EasyCash Loan1 | $7,500 | Up to 12 months | As low as 8.99% | $87.45 |
| Overdraft Protection4 | $2,500 | Revolving | 11.99% | n/a |
| TAP Personal Line of Credit4,5 | $5,000 | Revolving | 13.00% | n/a |
1 Rates reflect relationship loan discount pricing.
2 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.
3 APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.
4 Late Payment Fee: $10.00 will be charged to Your Account if You are 16 or more day(s) late in making a payment.
Returned Payment Fee: $10.00 will be charged to Your Share Account if Your payment is returned for any reason.
Advances: Advances will be granted in increments of $100.00.
Minimum Payment: 3.00% of the monthly outstand balance or $50.00, whichever is greater. However, Your minimum payment will never exceed Your outstanding balance.
5 Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%)
- Not all applicants will qualify for the lowest rate.
Home Improvement Loans Back to Top Learn More
| Loan Type | Maximum Financing | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Home Improvement Loans6 | $20,000, up to 72 months | 10.24%* | $18.65 |
6 Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Home Equity Loans/Lines Back to Top Learn More
| Maximum Term / Type | Loan-to-Value | APR | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | 80% | 6.50% | $19.57 |
| Up to 60 months | 85% | 7.00% | $19.80 |
| Up to 120 months | 80% | 6.75% | $11.48 |
| Up to 180 months | 80% | 7.00% | $8.99 |
| Home Equity Line of Credit5 | Up to 80% loan-to-value | 6.50% | n/a |
5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 4.50% APR. Property insurance is required. A $275 fee will be processed for all closed home equity loans and lines of credit.
